BANK XIZMATLARINI RAQAMLASHTIRISHNING TIJORAT BANKLARI DAROMADLILIGI VA LIKVIDLILIGIGA TA’SIRI
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raqamli bank xizmatlari, masofaviy foydalanuvchilar, daromadlilik, ROA, ROE, likvidlilik, LCR, NSFR.Abstrak
Tadqiqotda O‘zbekiston tijorat banklarining 2020-2025 yillarda bank xizmatlarini raqamlashtirishning daromadlilik va likvidlilik bilan bog‘liqligi o‘rganilgan. 2021-2024 yillarda raqamli qamrovning banklar o‘rtasidagi konsentratsiyasi pasaygani (HHI 1246 dan 1094 gacha), LCR ning variatsiya koeffitsienti esa NSFR nikidan 4,6 baravar yuqoriligi aniqlangan. Natijalar raqamli qamrov o‘sishini moliyaviy samaradorlik va likvidlilik yaxshilanishiga tenglashtirmasdan, hisobot asoslari va kuzatuvlar qamrovini muvofiqlashtirish zaruratini ko‘rsatadi. Maqolada qo‘shma monitoring tizimi va ma’lumotlarni oshkor etish bo‘yicha amaliy takliflar ishlab chiqilgan.
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